Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		CVBF	Peer Median	Peer Average
	ROAA	1.19	1.08	1.04
	ROAE	10.07	9.12	8.55
	Net Interest Margin	4.00	4.06	4.19
	Efficiency Ratio	52.93	58.80	59.97
	Loans / Deposits	71.88	79.36	77.16

Asset Quality Ratios (%)
	NPAs / Assets	2.01	2.67	2.45
	NCOs / Avg Loans	(0.01)	0.38	0.51
	Reserves / Loans	2.74	2.44	2.19
	Reserves / NPAs	73.15	42.10	45.91

Capital Ratios (%)
	Tier 1 Capital	18.36	17.69	18.16
	Tangible Equity / Tangible Assets	11.44	11.40	11.41
	Total Equity / Total Assets	12.26	12.14	12.44

Market Ratios
	Price / Earnings (x)	15.30	16.22	19.50
	Price / Book (%)	154.58	118.39	131.48
	Dividend Yield (%)	3.00	1.29	1.26

CVB Financial Corp.'s peer group consists of the following: Banner Corporation (BANR), Columbia Banking System, Inc. (COLB), Farmers & Merchants Bank of Long Beach (FMBL), First California Financial Group, Inc. (FCAL), Glacier Bancorp, Inc. (GBCI), Pacific Capital Bancorp (PCBC), PacWest Bancorp (PACW), Preferred Bank (PFBC), W.T.B. Financial Corporation (WTBFB), Western Alliance Bancorporation (WAL)

CVB Financial Corp.'s financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

Pacific Capital Bancorp's financial data is as of 9/30/2012.


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